{"id":16250,"date":"2025-12-05T11:00:28","date_gmt":"2025-12-05T11:00:28","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=16250"},"modified":"2025-12-05T10:30:46","modified_gmt":"2025-12-05T10:30:46","slug":"les-americains-lachent-les-cryptos-selon-la-finra","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/les-americains-lachent-les-cryptos-selon-la-finra\/","title":{"rendered":"Les Am\u00e9ricains l\u00e2chent les cryptos, selon\u00a0la\u00a0FINRA"},"content":{"rendered":"

Selon une nouvelle \u00e9tude de la FINRA, les investisseurs ne fuient pas massivement le march\u00e9, mais ils sont beaucoup moins enclins \u00e0 en reprendre une dose. Ce recul de l\u2019app\u00e9tit pour le risque en dit plus sur l\u2019humeur du march\u00e9<\/strong> que ne le fait l\u2019\u00e9volution des prix.<\/p>\n

Moins d\u2019envie de crypto, m\u00eame si les positions restent stables<\/span><\/h2>\n

D\u2019apr\u00e8s la derni\u00e8re enqu\u00eate de la FINRA Foundation, la part des investisseurs am\u00e9ricains expos\u00e9s \u00e0 la crypto reste stable \u00e0 27 % entre 2021 et 2024. En revanche, la proportion de ceux qui envisagent d\u2019en acheter, soit pour renforcer leur position, soit pour entrer pour la premi\u00e8re fois, tombe de 33 % \u00e0 seulement 26 % en 2024.<\/strong><\/p>\n

Autrement dit, les Am\u00e9ricains ne soldent pas forc\u00e9ment leurs portefeuilles crypto. Mais ils n\u2019ont plus la m\u00eame envie de \u201ccharger\u201d<\/strong> que pendant le boom post-Covid. Dans un environnement marqu\u00e9 par l\u2019incertitude sur les taux, l\u2019inflation et la croissance, une partie des particuliers pr\u00e9f\u00e8re consolider ce qu\u2019elle poss\u00e8de d\u00e9j\u00e0<\/strong>, ou se repositionner sur des actifs jug\u00e9s plus pr\u00e9visibles.<\/p>\n

\"Investir-bitcoin-crypto\"<\/p>\n

La perception du risque joue un r\u00f4le cl\u00e9. La FINRA rel\u00e8ve<\/a> que 66 % des r\u00e9pondants consid\u00e8rent d\u00e9sormais la crypto comme un investissement risqu\u00e9, contre 58 % en 2021. Pourtant, pr\u00e8s d\u2019un tiers des investisseurs estime qu\u2019il faudra accepter de \u201cgros risques\u201d<\/strong> pour atteindre ses objectifs financiers. Ce chiffre grimpe \u00e0 50 % chez les moins de 35 ans. On n\u2019assiste donc pas \u00e0 un rejet total de la crypto, mais plut\u00f4t \u00e0 un repositionnement plus prudent, o\u00f9 le risque doit \u00eatre mieux r\u00e9mun\u00e9r\u00e9 et mieux compris.<\/p>\n

Un app\u00e9tit pour le risque en berne, surtout chez les jeunes<\/span><\/h2>\n

L\u2019\u00e9tude montre aussi un recul net de la tol\u00e9rance au risque en g\u00e9n\u00e9ral. On dirait que la baisse du bitcoin fait tr\u00e8s mal.<\/a> La part des investisseurs se d\u00e9clarant pr\u00eats \u00e0 prendre un \u201cniveau de risque \u00e9lev\u00e9\u201d baisse de quatre points pour atteindre 8 % entre 2021 et 2024. La chute est encore plus marqu\u00e9e chez les moins de 35 ans,<\/strong> o\u00f9 cette proportion recule de neuf points, pour se stabiliser \u00e0 15 %.<\/p>\n

\"Invest<\/p>\n

C\u2019est un retournement int\u00e9ressant. Pendant la p\u00e9riode 2020-2021, cette tranche d\u2019\u00e2ge incarnait le mouvement \u201cYOLO\u201d sur les actions technos, les options, les m\u00e8mes stocks et, bien s\u00fbr, la crypto. Aujourd\u2019hui, une partie de cette g\u00e9n\u00e9ration semble avoir touch\u00e9 les limites de cette strat\u00e9gie<\/strong>. Les corrections de march\u00e9 et l\u2019exp\u00e9rience de la volatilit\u00e9 r\u00e9elle ont probablement jou\u00e9 un r\u00f4le de rappel \u00e0 la r\u00e9alit\u00e9.<\/p>\n

Pour autant, la soif de paris sp\u00e9culatifs n\u2019a pas totalement disparu. La FINRA note qu\u2019environ 13 % des investisseurs d\u00e9clarent avoir achet\u00e9 des m\u00e8mes<\/strong>\u00a0ou d\u2019autres actifs viraux, avec une proportion qui grimpe \u00e0 pr\u00e8s d\u2019un tiers chez les moins de 25 ans. On voit donc coexister deux mouvements : un noyau dur qui continue \u00e0 chercher des coups rapides, et une majorit\u00e9 qui se tourne vers une gestion plus prudente, y compris sur la crypto.<\/p>\n

La vague de nouveaux investisseurs retombe<\/span><\/h2>\n

En outre, le flux de nouveaux entrants sur les march\u00e9s financiers, et donc vers la crypto, s\u2019est largement tari.<\/strong> Seuls 8 % des investisseurs interrog\u00e9s disent avoir commenc\u00e9 \u00e0 investir au cours des deux ann\u00e9es pr\u00e9c\u00e9dant 2024. Ils \u00e9taient 21 % \u00e0 r\u00e9pondre la m\u00eame chose en 2021, en plein boom des comptes boursiers ouverts depuis leur smartphone.<\/p>\n

La FINRA souligne que la part des adultes de moins de 35 ans qui d\u00e9tiennent des investissements est revenue \u00e0 son niveau de 2018<\/strong>. En clair, la grande vague de nouveaux investisseurs apparue pendant la pand\u00e9mie a, en partie, reflu\u00e9. Une fraction des jeunes entr\u00e9s sur les march\u00e9s entre 2020 et 2021 a quitt\u00e9 la sc\u00e8ne, parfois apr\u00e8s une exp\u00e9rience douloureuse sur des actifs tr\u00e8s volatils, dont la crypto.<\/p>\n

Pour le march\u00e9 crypto, ce ralentissement des nouveaux entrants est loin d\u2019\u00eatre sans importance. Moins de nouveaux comptes signifie moins de flux \u201cfrais\u201d vers le bitcoin,<\/a> l\u2019ether ou les altcoins. Les volumes et la dynamique de prix d\u00e9pendent donc davantage des investisseurs d\u00e9j\u00e0 en place<\/strong>, ainsi que des institutions et des produits r\u00e9gul\u00e9s comme les ETF. Les r\u00e9cits de \u201cmass adoption\u201d par le retail am\u00e9ricain semblent, pour l\u2019instant, en pause.<\/p>\n","protected":false},"excerpt":{"rendered":"

Selon une nouvelle \u00e9tude de la FINRA, les investisseurs ne fuient pas massivement le march\u00e9, mais ils sont beaucoup…<\/p>\n","protected":false},"author":241,"featured_media":16253,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[61,72],"class_list":["post-16250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-crypto","tag-usa","entry"],"acf":[],"yoast_head":"\nLes Am\u00e9ricains l\u00e2chent les cryptos<\/title>\n<meta name=\"description\" content=\"Selon la FINRA, les Am\u00e9ricains d\u00e9laissent la crypto : moins d\u2019investisseurs pr\u00eats \u00e0 acheter et un app\u00e9tit pour le risque en forte baisse.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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